Retired Dept
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 DEPT 56 Department Halloween Spooky Yard Scene 565317 RETIRED $29.99 Time Remaining: 29d 8h 55m Buy It Now for only: $29.99 |
 Department 56 2005 Easter Collectible Puppy Pair RARE RETIRED NIB $9.99 Time Remaining: 3h 49m |
 Department 56 2006 Easter Collectible Chick Chicken Pair RARE RETIRED NIB $9.99 Time Remaining: 3h 56m |
 Dept56 Dickens Village Chelsea Market Fish Monger Cart retired 1997 $9.00 Time Remaining: 29d 16h 5m Buy It Now for only: $9.00 |
 PHOTO WITH SANTA Set of 3 Dept 56 North Pole Series Retired $3.00 (1 Bid) Time Remaining: 4h 30m |
 DEPT 56 Department Wooden Pier 5652766 Set of 2 RETIRED $39.99 Time Remaining: 29d 11h 36m Buy It Now for only: $39.99 |
 MITTEN MANOR Dept 56 North Pole Series Retired $27.00 Time Remaining: 4h 35m |
 NIB DEPT 56 J YOUNGS GRANARY ORNAMENT ISSUED1989 RETIRED 1992 $12.00 Time Remaining: 5h 4m Buy It Now for only: $25.00 |
 Dept56 Dickens Village Accessory Poultry Market retired 1995 $9.00 Time Remaining: 29d 16h 23m Buy It Now for only: $9.00 |
 DEPT 56 NORTH POLE TINKER BELLS LIGHTHOUSE NRFB MINT RETIRED $21.75 (6 Bids) Time Remaining: 5h 17m |
 Dept 56 Up Up Away Animated Reindeer and Sleigh w Santa Retired in Box $38.00 Time Remaining: 29d 16h 58m Buy It Now for only: $38.00 |
 DEPARTMENT 56 NORTH POLE ICE BREAKERS LOUNGE NRFB MINT RETIRED $20.50 (8 Bids) Time Remaining: 5h 19m |
 Dept 56 Tin Soldier Shop North Pole Series Item 56383 RETIRED $20.00 Time Remaining: 5h 46m Buy It Now for only: $35.00 |
 Dept 56 Wintergreen Pines S 3 Retired 52660 New in Box $14.50 Time Remaining: 25d 21h 55m Buy It Now for only: $14.50 |
 Dept 56 Real Plastic Snow Factory North Pole Series Item 56403 RETIRED $35.00 Time Remaining: 5h 46m Buy It Now for only: $50.00 |
 DEPT 56 Department Halloween Animated Haunted Graveyard 5652513 RETIRED $39.99 Time Remaining: 29d 9h 15m Buy It Now for only: $39.99 |
 Dept 56 ACME Toy Factory North Pole Series Item 56729 RETIRED $45.00 Time Remaining: 5h 47m Buy It Now for only: $60.00 |
 Dept 56 Santas Light Shop North Pole Series Item 56397 RETIRED $30.00 Time Remaining: 5h 47m Buy It Now for only: $40.00 |
 Dept56 Dickens Village Accessory Yeomen Of The Guard retired 1997 $12.00 Time Remaining: 29d 16h 44m Buy It Now for only: $12.00 |
 Dept 56 The Peanut Brittle Factory North Pole Series Item 56701 RETIRED $50.00 Time Remaining: 5h 47m Buy It Now for only: $70.00 |
 DEPT 56 HERITAGE VILLAGE SQUARE SNOWMAN RETIRED NEW 58638 LIMITED EDITION $34.99 Time Remaining: 28d 7h 34m Buy It Now for only: $34.99 |
 Dept 56 Weather Time Observatory North Pole Series Item 56385 RETIRED $25.00 Time Remaining: 5h 48m Buy It Now for only: $40.00 |
 Dept 56 Maries Doll Museum North Pole Series Item 56408 RETIRED $25.00 Time Remaining: 5h 48m Buy It Now for only: $40.00 |
 DEPT 56 HALLOWEEN GRIMSLY RETIREMENT HOME 2011 FS $90.25 Time Remaining: 15h 23m Buy It Now for only: $90.25 |
 Dept 56 North Pole Chapel North Pole Series Item 56260 RETIRED $25.00 Time Remaining: 5h 49m Buy It Now for only: $40.00 |
 Dept 56 Silhouettes Santa Bell Santa Ringing Bell 78708 Retired 2001 NIB $12.99 Time Remaining: 29d 6h 39m Buy It Now for only: $12.99 |
 Dept 56 Santas Reindeer Rides North Pole Series Item 56748 RETIRED $30.00 Time Remaining: 5h 49m Buy It Now for only: $45.00 |
 Dept 56 Santas Lookout Tower North Pole Series Item 56294 RETIRED $30.00 Time Remaining: 5h 51m Buy It Now for only: $45.00 |
 Dept 56 Silhouettes Holiday Hugs 78752 Retired 2002 New in Box $12.99 Time Remaining: 29d 6h 22m Buy It Now for only: $12.99 |
 Dept 56 Santas Workshop North Pole Series Item 56006 RETIRED $180.00 Time Remaining: 5h 51m Buy It Now for only: $250.00 |
 Dept 56 Baker Bros Bagel Bakery 58920 Retired $29.99 Time Remaining: 26d 2h 48m Buy It Now for only: $29.99 |
 Dept 56 Santas Rooming House North Pole Series Item 56386 RETIRED $40.00 Time Remaining: 5h 52m Buy It Now for only: $55.00 |
 Dept 56 Reindeer Barn North Pole Series Item 56015 RETIRED $30.00 Time Remaining: 5h 52m Buy It Now for only: $45.00 |
 DEPT 56 Department Halloween Scary Twisted Trees 5653131 Set of 2 RETIRED $19.99 Time Remaining: 29d 11h 1m Buy It Now for only: $19.99 |
 DEPARTMENT 56 Thanksgiving at Grandmothers House RETIRED $250.00 Time Remaining: 6h 30m |
 DEPT 56 Department Halloween Halloween Spooky Tree 5652770 RETIRED $19.99 Time Remaining: 29d 11h 29m Buy It Now for only: $19.99 |
 Dept 56 Dickens Village 58329 Dursley Manor Mint in Box Retired $30.00 Time Remaining: 6h 37m |
 Department 56 HOLY NAME CHURCH Christmas in the City series Retired $50.00 Time Remaining: 6h 37m Buy It Now for only: $65.00 |
 Department 56 These Are For You NIB Retired $29.99 Time Remaining: 23d 7h 20m Buy It Now for only: $29.99 |
 Dept 56 Snow Village 54437 Village Public Library Retired Building in Box $30.00 Time Remaining: 6h 37m |
 DEPT 56 Department HALLOWEEN AUTUMN LANDSCAPE Set of 27 5653138 RETIRED $49.99 Time Remaining: 29d 8h 45m Buy It Now for only: $49.99 |
 SNOWBABIES MM RED IS MY FAVORITE COLOR DEPT 56 RETIRED $8.99 Time Remaining: 6h 55m Buy It Now for only: $12.99 |
 Dept 56 POTTERS SHOP from LITTLE TOWN of BETHLEHEM Retired 2005 VHTF $44.99 Time Remaining: 9h 20m Buy It Now for only: $89.00 |
 DEPT 56 DICKENS VILLAGE FIELDSTONE STAIRWAY NEW RETIRED 52826 $14.99 Time Remaining: 28d 8h 14m Buy It Now for only: $14.99 |
 DEPT 56 LIVERY STABLE BOOT SHOP NEW ENGLAND RETIRED 65307 $32.50 Time Remaining: 9h 51m |
 DEPT 56 LAFAYETTES BAKERY 58953 RETIRED CHRISTMAS IN THE CITY MIB $49.99 Time Remaining: 25d 10m Buy It Now for only: $49.99 |
 Dept 56 SV Halloween SHIPWRECK LIGHTHOUSE 55088 Animated Retired 03 Villag $15.50 (10 Bids) Time Remaining: 9h 56m |
 Dept 56 Snowbabies Ill Love You Always Retired 2000 Includes Original Box $9.99 (1 Bid) Time Remaining: 10h 39m |
 Dept 56 Retired CATHEDRAL OF ST PAUL Patina Dome CIC $100.99 Time Remaining: 26d 2h 48m Buy It Now for only: $100.99 |
 Dept 56 Snowbabies Make A Wish Retired 2001 Includes Original Box $4.99 Time Remaining: 10h 46m Buy It Now for only: $9.99 |
 Dept 56 NIB WATCHING FOR DUCKS S 2 Vill Retired 565293 $32.50 Time Remaining: 9d 13h 7m Buy It Now for only: $32.50 |
 Dept 56 Snowbabies Dancing to a Tune Original Box Retired in 1995 $5.99 Time Remaining: 11h 13m Buy It Now for only: $13.99 |
 Snow Village Dept 56 Skate Faster Mom Retired MIB plus others mix lot $11.11 Time Remaining: 12h 44m |
 Dept 56 A Christmas Story Uptown Theater Retired $59.99 Time Remaining: 25d 3h 47m Buy It Now for only: $59.99 |
 HUGE Estate Lot Department 56 Snowbabies Figurines Over 50 Pcs Retired Current $379.00 Time Remaining: 12h 53m Buy It Now for only: $500.00 |
 Dept 56 DICKENS VILLAGE A Christmas Carol Set of 5 RETIRED MINI BUILDINGS New $99.95 Time Remaining: 29d 12h 34m Buy It Now for only: $99.95 |
 Tassys Mittens North Pole Dept 56 Hassels Mufflers Woolies 1991 Retired $40.00 Time Remaining: 13h 20m |
 Department 56 New England Village Old North Church RETIRED Item 59323 $9.99 (1 Bid) Time Remaining: 13h 52m |
 Dept 56 Mill Creek Section STRAIGHT with Three Trees Retired 52633 New $24.50 Time Remaining: 7d 16h 9m Buy It Now for only: $24.50 |
 Department Dept 56 Peppermint Trees set of 3 Village Accessories Retired $9.99 Time Remaining: 14h 7m |
 DEPT 56 DICKENS VILLAGE ABINGTON LOCKS 58521 RETIRED SET OF 2 $24.99 Time Remaining: 28d 14h 56m Buy It Now for only: $24.99 |
 Department Dept 56 An Irish Cheer for Santa set of 2 Retired 5656848 $9.99 (1 Bid) Time Remaining: 14h 9m |
 Department Dept 56 Hot Wheels Lets Give it a Spin Retired 5656441 $9.99 Time Remaining: 14h 11m |
 Dept 56 ALL SAINTS CORNER CHURCH 5655425 Retired $62.50 Time Remaining: 29d 14h 8m Buy It Now for only: $62.50 |
 Department Dept 56 North Pole More yarn for your stockings Mrs Claus retired $9.99 (1 Bid) Time Remaining: 14h 14m |
 Dept 56 Snow Village STARBUCKS COFFEE CART 54870 NIB Retired 00 2pc Accessory $84.95 Time Remaining: 29d 19h 37m Buy It Now for only: $84.95 |
 Department Dept 56 North Pole Series Elf Land School Sleigh Express Retired $10.99 (2 Bids) Time Remaining: 14h 14m |
 Department Dept 56 North Pole Series One Choo Choo burger coming up Retired $9.99 Time Remaining: 14h 17m |
 DEPT 56 ROYAL TREE COURT 58605 BUILDING ONLY DICKENS VILLAGE RETIRED $29.99 Time Remaining: 25d 43m Buy It Now for only: $29.99 |
 Department Dept 56 North Pole Series Dash away Delivery Hot air Balloon Retired $10.49 (2 Bids) Time Remaining: 14h 17m |
 Dept 56 5658473 Abington Lockside Inn Dickens Village Series RETIRED w Box $29.99 Time Remaining: 21d 11h 6m Buy It Now for only: $29.99 |
 Department Dept 56 Village Accessories Decorated Sisal Trees set of 2 Retired $9.99 Time Remaining: 14h 18m |
 Department Dept 56 North Pole Series Glitter Detail set of 2 Retired $10.49 (2 Bids) Time Remaining: 14h 21m |
 retired dept 56 car from the snow village collection $15.00 Time Remaining: 14d 15h 25m Buy It Now for only: $15.00 |
 Department Dept 56 North Pole Series Cruisin Crayola Elves set of 2 Retired $9.99 (1 Bid) Time Remaining: 14h 24m |
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Financial Freedom….revisited and Redefined
It seems like with each passing year, information is rushing at us at an alarmingly faster pace. Combine that with our ever-increasing need for instant gratification, and more people are becoming less inclined to want to take the traditional, “tried and true” path to financial success. Despite the growing number of books and financial guru websites dedicated to helping the public find freedom in their finances, every year I meet more and more people who are dissatisfied with their current level of financial success…despite their larger incomes, increasing business, or if they are fortunate, growing portfolios.
So, what the heck is “financial freedom” anyway? Where do you “find” it? How do you know when you have “gotten” or “achieved” it? Or better yet, would you even know it if it walked up to you and kissed you on the lips? (after all, there is never a shortage of stories on NY Post’s Page Six about those who have “married” it---or “divorced” it and received even more of “it” in the ensuing settlement.)
Perhaps the challenge lies in the definition of financial freedom---that standard against which we are measuring our success. If you Google the phrase “financial freedom”, there are 8,520,000 results, of which many of the most popular are related to debt and debt reduction. While that may be a key factor in many cases, getting out of debt is not the totality of financial freedom. That would be like plugging a hole in the bottom of your sailboat, but failing to notice that it isn’t an especially windy day. If you haven’t fitted your boat with an outboard motor, or if you neglected to fill it up with gas, you aren’t getting very far…even if you don’t sink.
Wikipedia, my favorite online source for all things subjective, defines financial freedom as “a well-planned lifestyle where one no longer is required to work for income to cover their expenses.” This sounds hopeful, as many people love the idea of not being required to work at some point in time. However, the article takes it a step further by adding that it can be attained in one or two ways: “1. Enough passive investment income to cover one's expenses. 2. A large enough "nest egg" that can be liquidated over time to cover one's expenses.” Sounds kind of like retirement, doesn’t it? Yet how many “retired” people do you know would call themselves “financially free”?
While this sounds appealing, the question remains “How much are your expenses?” Or perhaps more relevant is “How much are your expenses increasing each year?” Even if in the unlikely event your expenses are not increasing over time, the value of a dollar is decreasing every year, even when the currency markets are working in its favor. According to an inflation calculator at the Bureau of Labor Statistics (www.bls.gov/cpi), part of the US Dept of Labor, $100 in 2008 has the same buying power of $74.71 in 1997, the year my daughter was born. Conversely, it would take $134 today in order to maintain the spending power of $100 in 1997. Yikes! That means if I were “financially free” at that time by this definition, my passive income would have to increase by 34% just to keep up with how much my existing lifestyle costs....not taking into consideration that there may be "new things" I would want for her now that she is older.
What if we took a view of financial freedom that didn't just consider the condition of your balance sheet and income statement, but also the condition of your wealth perspective? In other words, what if the definition of “financial freedom” included a state of mind as well as a state of finance? There is no doubt that financial success requires some key factors, both practically speaking as well as from a mental mindset. First, you have to have resources. In other words, you cannot go from being 100% “people at work” (people earning income) to 100% “money at work” (assets earning income) without allocating some of those working dollars to assets. In many cases, lifestyles are established prior to any kind of planning or budgeting. This puts a tremendous amount of pressure on the ability to allocate dollars to being “money at work” dollars. I call this “reverse cash flow”. And if cash is in reverse when gross income comes from “people at work”, it is risky business once cash is flowing solely from “assets at work”. The shift in mental mindset is making Financial Freedom a priority over “keeping up with the Joneses.”
Second, you have to plug the holes. This is harder than it sounds, mostly because most people are unaware of where they are hemorrhaging cash, debt service notwithstanding. This is mainly due to the “microeconomic approach” we are traditionally taught. In other words, we are currently so worried about having the “best product” in each area---the highest interest rate on our savings account, the lowest interest rate on our mortgages, the hottest mutual fund in our retirement plan (and the list goes on) that we lose sight of how these products are interacting on the larger screen of our plan. This is where strategy comes into play, and taking a “macroeconomic approach” instead. On the mental side, it means widening your view and being ok with “trying on” non-traditional ideas.
Third, you have to have a coordinated plan. This means the left hand must know what the right hand is doing. Most advisors look at growing assets (i.e. retirement plans or college funding) or at reducing liabilities (i.e. debt consolidation and mortgage refinancing)…but a plan can fail miserably if your life’s work is not adequately protected and fueled by the proper cash flow sequence. Most successful people already have an inventory of financial instruments. The mental mind shift here is to be open to harmonizing what you have, rather than chasing the next “quick fix” product.
Nancy Ogilvie is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 990 Stewart Avenue, Suite 200. Garden City, NY 11530. Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. National Financial Network LLC is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC
About the Author
Nancy Ogilvie works with her clients as both a financial advisor and wealth consciousness coach. She is based in NYC, where she lives with her daughter. She is currently working on her first book entitled, “How to Have the Life of Your Dreams and the Cash to Pay for It.” You can learn more about her at www.think4prosperity.com. She is also the Selfgrowth.com Official Guide to Financial Freedom.